What merchant services providers have you looked at? At first, I also spent a lot of time calculating each of the possible options to determine the most profitable one. Then I told my friend about it, who also has his own online business, and he sent me a website where you can enter your data and it will automatically calculate the amount of fees in each merchant services provider: https://merchantservices-usa.com/calculator . I really regretted not telling him earlier that I was looking for a merchant services provider, because I spent a lot of time on independent manual calculations. What area do you need this for, retail?